N26 Poland API Access & Open Banking Integration

N26 is Poland's app-first bank, and open-banking.io lets you reach your N26 account balances and transaction history without wrestling with PSD2 certificates, QWAC bundles, or a sandbox registration. Instead of running your own regulated integration, you authorise access once through N26's normal login and let open-banking.io keep your personal and business accounts in sync. Everything you retrieve is decrypted on your own device, so the service never sees your statements in the clear.

How to connect N26

Connecting happens entirely in the open-banking.io dashboard — there is no API call, code, or key involved in this step.

  1. Sign up at open-banking.io and set your encryption passphrase. Your key pair is generated locally on your device; only you ever hold the private key.
  2. In the dashboard, choose N26 (Poland) and pick the account type you need — personal or business are both supported.
  3. You are redirected to N26's own secure login, where you approve the access request (the standard PSD2 consent screen).
  4. Your N26 accounts then appear in your dashboard and sync automatically.

Consent lasts up to 180 days, after which N26 will ask you to re-approve — a normal part of European open banking. N26 does not publish a public BIC for this connection, so none is required on your side.

Access your data

Once N26 is connected, developers can optionally read the data programmatically. Open the Developers page, create an API key, and export a credentials.json — this bundles the API key together with your private decryption key. From there you can use the CLI (openbanking accounts, openbanking transactions, openbanking sync), an SDK, or the REST API directly. Every request carries your key in the X-Api-Key header, and each response is decrypted locally with your own key. The CLI and SDK only read and sync connections that already exist — they never create one.

Pricing and privacy

Access costs roughly EUR 3 per month. Because open-banking.io is zero-knowledge, its servers store only your public key: an API key alone returns ciphertext, and without your private key nobody — not even open-banking.io — can read it.

Does open-banking.io store my N26 password?

No. You authenticate on N26's own login page; open-banking.io never sees your credentials.

Can I use N26 for a business account?

Yes. Both personal and business N26 accounts are supported when you pick the account type in the dashboard.

What happens after 180 days?

Your consent expires and you simply re-approve access on N26's screen to continue syncing.

Ready to start? Visit open-banking.io.